Missing Payments And Borrowing Every Cent From Her Friend To Survive | Financial Audit

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[@latulip100]

Thanks to you and the production team. I just bought my first home at 40 and zero debt besides the mortgage. Every time I consider using credit I imagine you shouting Death! Also the sticky kids comment had me dying as a child free person. Lol.

[@CalebHammer]

WOOO!!! You’re amazing. Thank you so much btw

[@latulip100]

@@dirty-moto yes thank you. I had a major depression around 32 being unmarried and childless. Now I just feel I dodged a bullet. Lol

[@falinabrown4641]

@@dirty-motoI have a kiddo who is younger than 10 and he tells me constantly he’s not having any kids and I just give him a high five. Love my little spawn but love that he’s growing up in a world where it’s okay not to reproduce.

[@TheGreatMandalore]

I ROFL reading "zero debt besides the mortgage" Yeah dude that's a really big debt

[@BillHenry3]

@@latulip100well if you’re a woman that’s old & lonely your bloodline dies with you

[@AdADglgmutShevanel]

She pays her family's expenses but they won't help her out watching her daughter? That's super toxic and sad.

[@deirdrekiely6187]

She's too much of a "people pleaser" to say no to them.

[@ThatGuy-qg4ww]

Kinda hard to believe. She said her mom would watch her kid.... if her dad let her? She even moved to the same development or apartment complex whatever, so it's no doubt they already ARE watching the kid, she wouldn't move there just to find out if her mom could watch her kid. She just needs another person to blame why she doesn't have money. But man she can afford that fast food pretty easily.

[@potato1084]

Fr it’s the least they owe her

[@potato1084]

@@ThatGuy-qg4wwFast food is cheap ofc she can afford it

[@MrsEJV]

@@potato1084. Fast food isn’t all that cheap anymore!

[@tyronedyrone1483]

This Channel is single-handedly helping me avoid dying on the Walmart floor.

[@Bruhwthecomb]

No it’s not

[@tyronedyrone1483]

@@Bruhwthecomb okay random internet guy i guess you are right

[@Bruhwthecomb]

@@tyronedyrone1483lol I’m trolling 🤣 but I like the “random internet guy”

[@tylerseger6718]

@@Bruhwthecombthat’s weird

[@tyronedyrone1483]

@@Bruhwthecomb 🤣🤣🤣 you will hold a place in my heart

[@TXTRILLZ]

As a latino myself...we need to stop feeling obligated to take care of everyone in the family. It's only keeping us in poverty.

[@MartianAmbassador69]

Yeah communism doesn't work...

[@mikedee42]

Facts. Latin families always lay a guilt trip on us.

[@jorgejimenez9751]

​@@mikedee42yup but say it "joking" ugh

[@thegreatsauna2347]

I hope this young lady is reading your comment. This breaking free from the emotional land mines her Mom and Dad have trapped her with is super vital for her mental and financial well being.

[@The-Dirty-Straw]

It depends tbh. A lot of immigrants (for legal reasons, no social security, lack of education, no legitimate work-permit) cant retire comfortably alone. Being illegal stops you from a lot of things

[@terriblehem7581]

This is a great example of how you mention that it’s irresponsible for a parent to be in a bad financial situation because it makes your grown children feel responsible for taking care of you

[@Julia-en1ok]

Grown GRANDCHILDREN having to pay for grandmothers cremation...

[@geigertec5921]

Increasingly parents have spent all their savings living the high life and now use their children as live-in servants and free money generators ignoring the fact that their children will now never have families or security of their own.

[@hornetguy9063]

@@geigertec5921yup, and it’s quite astonishing how many people don’t seem to understand that at simp to morally black and white arguments like “you should help those that you love!”. Great, so let’s do a hypothetical and say she’s giving just $300 a month to her family. And she’s on the hook for that for 20 years. And let’s say the inflation adjusted rate of return on a mutual fund that she’d like to buy shares of is 7%. Well, if she just invested that $300 every month, she’d have $147,583.77 after 20 years, adjusted for inflation. If she literally didn’t invest at all after that and kept the 7%, that would be $571,102.63 in another twenty years. But now all of that money isn’t there, because she had to spend her young adulthood, all the way into middle age, funding her own parents. so now she has to hit up her own kids to bridge the gap. And the cycle continues.

[@brianagillustration]

@@geigertec5921people try to guilt child-free by-choice couples by saying "Who's gonna take care of you when you're older?!" like..a LOT of parents think their kids owe them something. I didn't ask to be born lol, and adult children should NOT have to financially take care of their parents if the parent is actively choosing to not want better for themselves. that's so ass backwards its not even funny.

[@hornetguy9063]

@@brianagillustrationyeah. I mean I think people should aim to have kids, but we aren’t a bunch of rural farmers who need cheap farmhands and someone who can care for us when we are old anymore. We are all capable of saving and investing. Like a median income for a two parent household in America is $101,560 in 2021. You can’t put 10% of that into a 401(k)?

[@carsandcrows9921]

I took out a second mortgage for your taquitos mug at 30% apr! Thanks Caleb

[@CalebHammer]

You about to get slapped

[@joshuasvoboda6288]

😆

[@hiteshadhikari]

​@@CalebHammerdo it caleb

[@moewuw]

caleb's voice just got a little higher, lol

[@joelplatt2651]

@@CalebHammerI don’t see what the problem is, it’s clearly an appreciating asset

[@SpecialxForces]

“Not saying put her in a dumpster and let the raccoons watch her” is the best quote yet 😂

[@etuck387]

I think it would work out 😅😅

[@Judithica]

Had me rolling. 😂

[@Yaa7700]

Agree! 🦝

[@jenericbjacobsen]

Raccoons are very responsible 😌

[@AnalyticalMenace]

@@etuck387 Way more so than it would with any of her family members, at least.

[@severinjohn]

Her having to take out a personal loan to solely pay for her grandmother's cremation broke my heart.

[@Piworld13]

And probably nothing is there in the future for any other relatives or herself. I wonder is she's sold herself an insurance policy to provide for the kiddo.

[@javaskull88]

@@Piworld13that’s an excellent point. I hope she reads these comments.

[@javaskull88]

If and when she starts building a retirement fund, she’d better not let her extended family know about it. They’ll expect her to take care of them all.

[@queerdor]

Its just the con of the funeral industry the county will pay for a cremation just not any of the extra bullshit that they convince people they need.

[@kaylahernandez7990]

Get those lazy family members to pay her back lol

[@tobygrim7136]

Sadly this girl's situation is more common than people realize. I hope she gains the confidence that she needs to make her and her daughter's lives better.

[@M_SC]

Yes but also Americans should be confident enough to change the laws to force people to be hired on salary with benefits

[@tobygrim7136]

Wrong.

[@flor9345]

​@@M_SCMore benefits mean lower $ per hour which some people could argue is worse

[@jeffyboi6969]

@@M_SC no.

[@M_SC]

@@flor9345no it doesn’t in civilised society. Look outside your American box of awful choices

[@akaCONSTANTINE]

You're protective of your daughter. Don't let her grandfather make choices for you that will ruin her future. Him not letting his wife work, ruins her future. Him accepting your money without caring how it devastates you, ruins her future.

[@hornetguy9063]

Ding ding ding. Like the dude probably paid into SS and disability for awhile and is now disabled himself. He probably can get accommodations to help him out. Maybe this girl’s mom is using her dad’s blindness as an excuse to not work herself, but if she’s not, mom can go get a job to help the finances.

[@sanj6576]

Exactly

[@lesmess.]

Preach 🙌🏼

[@Maple.leaves]

The thing is that her dad is blind. If that's all that's causing him to be unable to work, he really does not need a 24/7 caretaker. They're taking advantage of this poor girl

[@halfbloodprincess989]

Excellent point! A blind man doesn't need a 24/7 caretaker.

[@samanthaw.861]

I’ve seen it over and over again on this show, the person with the most money ends up paying for the rest of their family, whether by choice or otherwise. I feel bad for her.

[@silverplug]

Yeah, I agree

[@chaselesser3191]

That’s why I work the bare minimum and try not to make to much. More money, more problems.

[@thedude8526]

My mom tried this shit on me, and I shot her down. Do not let your family freeload off you! Its one thing to help in a time of need but when people are comfortable with you bailing them out all the time, they begin expecting it from you.

[@joelkaben]

​@@chaselesser3191wtf kind of mentality is this. No.

[@tylerseger6718]

@@chaselesser3191why think this way? Why not establish clear completely normal boundries. Working the bare minimum isn’t good for anyone

[@sirmadam8183]

Family is a leach. You can barely swim yourself and they are all pulling you down. Truly disgusting.

[@adamseidel9780]

The will leach off her, society, the government, and everybody else around them until either there is no blood left to leach or they finally die.

[@maceroee]

DESGUSHING!!!! calebs words!!!

[@GreatMindsSeekTruth]

Absolutely! A pair of bloodsucking ticks those parents are.

[@MaNA_tW]

Whoever is simping her 7k in interest free loans and a car needs to be on next.

[@imrunninazoo1115]

🤐

[@Dusterdimmu81]

Her baby daddy is a piece of shit…then why did you let him get you pregnant?! Women…responsibility is their kryptonite.

[@joelmora2826]

If He was a boyfriend it would still be dumb but "friend" idk man she's lying about something

[@berlizgonzalez6736]

🤣🤣🤣

[@hornetguy9063]

@@joelmora2826perhaps she’s giving sugar on the side. I don’t want to be mean, but I’m not sure if she’d have a large client base for sugaring. But literally any kind of woman, you can find a man who would be down for pound town.

[@josephbrown9685]

It’s just her and her kid and she thought an extra $100 per month between a 2 and 3 bedroom apartment is not a big deal. She doesn’t need 3 bedrooms. That’s $1200 a year more for no reason!

[@SayuriTsukine]

Yea... I didn't understand that either. Even if she magically got a WFH job, that doesn't necessitate a separate office space. She never mentioned splitting the bills and having a roommate, so what would be the purpose of it? Paying for extra space that's collecting dust just doesn't make any kind of sense.

[@infotechsailor]

She needs a roommate

[@KateWitt]

@@infotechsailor Having a roommate when you have a child is not really an option unless that roommate is literally somebody you really have known and trusted for a long period of time like a close family member.

[@NewscasterNews4]

@@infotechsailordefinitely not. Considering who she chose to have the child with her judgment should not be trusted picking strangers to stay around her daughter

[@Alex-zi1nb]

An extra hundred a month is the least of her problems and if she got a WFH job it would be good. Sure she could have an office in the main living area, or sleep with her child. But 100 can easily be justified if she got a higher paying job. It’s section 8 housing clearly

[@ladyviking]

The biggest similarity between ALL of these financial audits is lack of self esteem and/or mental health struggles.

[@bolt7047]

Yep, it's really heartbreaking to see.

[@Sadreath]

I mean there are also quite a few people who are just overconfident and borderline delusional. And sometimes straight up not living in the real world (looking at you Mr. Taquito)

[@msj56]

Everybody has mental health issues. Rich and poor. That's not an excuse.

[@tdgdbs1]

Generation of snowflakes.

[@danreddick8884]

@@msj56is not wrong, a lot of people have issues that can be harmful and its up to that person to learn to live and get better. If you’re fat and your diet consists of mcdanks and kfc then its your fault you’re fat. If you have money issues because of poor decisions due to mental health, then its your fault you have money issues.

[@traylorillo]

Thank you, Caleb, for promoting the public library! Libraries are important and a resource for so many money-saving services. Even if you have the money for books, wouldn’t you rather invest the cash you save by using the library…it’s FREE!

[@alisonf6478]

I agree! Not sure if you are in texas (I am), but there’s some potentially negative actions happening around the state. For example, in Houston: “The largest school district in Texas announced its libraries will be eliminated and replaced with discipline centers in the new school year. Houston independent school district announced earlier this summer that librarian and media-specialist positions in 28 schools will be eliminated as part of superintendent Mike Miles’s “new education system” initiative.” Help get the word out, if possible. Thank you!

[@WinterIsWelcome]

As a former library employee, I completely agree with this sentiment! A lot of people don’t realize that libraries even have movies and TV shows on DVD that you can borrow. If you’re really strapped for cash and can’t afford cable, then the library is a great option to find something that is entertaining to watch!

[@carolinemontanez4373]

There's even apps where you can read books for free through a virtual library system by using your library number. Libby is a great app.

[@savannahweinstein879]

The only public space where you do not have to buy anything in order to stay.

[@emiliemcbride2534]

And some libraries offer digital content as well, so she can still use her Kindle if she wanted to

[@thebigredfish]

"Im not saying to put her in a dumpster and let the raccoons watch her while you work." Best line of the channel thus far.

[@jerikaljgdk]

that one got me good lol.

[@aleahuggins]

😂😅😂

[@KennytheHedgehog619]

Caleb's fish must be the most financially sound fish on the planet overhearing all of these audits

[@jamiebhx]

6 months of fish food in the basement, no debt owed to Mr Krabs

[@AlejandraMeraz]

My husband and I were not in debt but we were not really talking about our finances, after watching you for a few months, we have reviewed our retirement accounts and raised our contribution, started the process of merging finances and setting our emergency fund in higher yield accounts. It was hard, it was awkward, we got defensive about our spending habits, but it has made us stronger and much more prepared for the future. Thanks Caleb!

[@lindajohnson.]

Good for you !😊

[@jackstephens6642]

I bet your marriage improved too.

[@peacejoylove8542]

I wish you and the hubs all the best! ❤

[@alexandersantos5364]

Showing this comment to my wife…

[@padinfull-yk4ln]

Respect

[@flor9345]

This is SO common in hispanic households. My grandparents put themselves in a financial hole and hoped that my aunts could pull them out of it. But my aunts lived in the states so there was no way they were going to sacrifice everything they fought for just to dig them out of a place they put themselves in. Hispanics need to realise that after 18, you are independent, and you do not owe your parents ANYTHING. If you want to repay kindness, then do so. But often times we get paid in trauma.

[@dahe1352]

I think it’s pretty crazy to say you don’t owe your parents anything. My mom blessed me so much through my life, and I owe her everything.

[@Choob1]

@@dahe1352your parents decided to have you. You owe them nothing. If you wanna help them thats fine but you don’t need to sacrifice yourself for them

[@sl8774]

@@dahe1352You don’t and I’m sure when you have kids you’re not gonna think they owe you everything and can’t do enough to pay you back.

[@dahe1352]

@@Choob1 I think that’s an awful mindset. Without my parents I would not exist. And my mom slaving every day to bless me is something to be grateful for. Id rather live with gratitude than ingratitude, definitely will make me much happier than if I adopt your way of thinking. I’m not trying to attack you, more say that I think your way of viewing the world is incorrect.

[@TheOtherChosenOnes]

@@dahe1352There’s a difference between: being grateful and giving some spending money Sacrificing all your savings and upward mobility for their pleasure

[@wellsdavidj]

I don't know who needs to hear this but child support WILL catch up. I know people that are in their 50's that are paying back child support on their 'kids' that are in their 30's. Sure she might not get help now but like Caleb said they will legally squeeze him and eventually he will pay her back.

[@Natalie_11188]

Yup.

[@sweetpea9191]

Very true. My half brothers dad didn’t start paying child support until my brother was a teenager, he’s 32 now and still gets 20 dollars a month from him lol.

[@JakoWako]

This lady could have the child support hand delivered to her and she’d give a million reasons why she can’t accept it!

[@Alex-zi1nb]

No they won’t. She’s too much of a coward to hold him accountable. She lied about not having an address when she clearly knows where he’s “playing stepdad”. It’s a cultural issue

[@Natalie_11188]

@@Alex-zi1nb yes, if she knows he’s playing step dad she knows where he is. She SHOULD do it, but she won’t.

[@KateBGreat]

"I, I don't wanna be rude off the bat, but... fuck off" This is why we love you, Caleb.

[@adamseidel9780]

Her father doesn’t need extra special comprehensive services, he’s blind, not infirm. He needs help in life but doesn’t need full time caretaking. Mom has no excuse to not work.

[@Metonymy1979]

When you've struggled for so long and everyone is struggling around you, struggling doesn't seem so bad. Its a ubiquitous delusion.

[@youtube.handle69]

Holly, fancy seeing you here

[@turtleanton6539]

😊

[@papabear2515]

It’s seems overwhelming … so why bother … and thus, the cycle continues

[@Mama_of2]

From one older sibling to another. You HAVE to put on your parachute first before your can save anyone else. It’s hard coming from a Hispanic household but this is the only way out of the hole.

[@hornetguy9063]

Yeah this culture of what’s basically familial Marxism (those who are earning money give it to those who aren’t) is what keeps a lot of these families in the working class forever. Anyone trying to get ahead ends up just funding everyone else. It’s not really shocking that the most well off members of my wife’s family are her (married to an American) and her aunt (married to an American). We aren’t misers, we just know that we need savings and investments and property before we start dishing out our income to everyone else.

[@anchor4225]

Watching these videos always makes me feel so grateful for my own life/financial situation. "If we all threw our problems in a pile and saw everyone else's, we'd grab ours back."

[@Sadreath]

Not gonna lie for some of these people I would gladly take the situation. Mainly those that have stupid high income and are only in debt because they are financially illiterate. Having their jobs and cutting back for like 2 years living essentially like I live now but doubling my income would be a blessing.

[@anchor4225]

@Sadreath Yes, that, but I also meant I'm grateful that I know how to make better financial decisions than them, which it sounds like you do too. Not saying I'm rich or don't have some debt, but I know when to avoid taquitos.

[@geigertec5921]

Yeah, Imagine making $150k working 4 hours a day and yet paying 20% interest on 100k because you bought a Tesla, million dollar house with 7% interest with 10% down, and you own a pony which needs constant stable fees so your net income is negetive $40k per year

[@AFFTFOMSICHTS]

@@SadreathFR I literally die at some of these ppls incomes I’d dream of having yet they’re still in debt with 1,000$ car payments like wtf is wrong with you…..whyyyy

[@macsc5497]

@@geigertec5921 which video was this?

[@juditharsenault2131]

I'm retired and struggling a little financially. This channel made me realize I should get a job. I applied for two jobs yesterday and have an interview already. I only have one debt- my mortgage. I dream of having a large emergency fund and a paid for house. If I work for a few years, I can do this in a few years. If you read this, give it a thumbs up because I think I've been shadow banned. It will let me know if I haven't.

[@jordanwade2676]

Just want to let you know how proud I am of you! Going back to work is a huge deal and it takes some bravery to jump back in after retirement. This internet stranger is cheering for you!

[@TimothyGallacher]

hope it worked out well for you! Well done mate! 👊

[@itsacookie1]

Something is absolutely wrong with this world if this girl has a simp "friend" spending tens of thousands of dollars on her.

[@Doombot8336684]

Damn, this is a sad situation. When she said the baby daddy wasn’t in the picture, the first thing I thought of was jail, and yup, I was right. This girl’s life is just like every young girl’s life in my old neighborhood: single mom who lives at home and is guilted into supporting her parents along with her kids. So many women from my old neighborhood were like this exact situation. Very sad.

[@baconoftheark]

Why do women get into traps like this? What happened to "picking nice guys who have careers/prospect of a future?" I thought picking a partner was based on their ability to support you mentally, emotionally, and financially? Maybe I had better luck meeting women? I didn't exactly grow up in a great neighborhood either. Don't blame the neighborhood, blame their decisions.

[@Natalie_11188]

@@baconoftheark I don’t think it’s a case of “picking a partner” I think it’s a case of “most people are heterosexual and sex is free”. Once the child is HERE you cannot give it back, she only has one so she may have realized that. But I don’t think many people are choosing partners, they are choosing to have sex without protection, and then they have to climb themselves out of a hole later. It can be done but it’s a lot harder.

[@emmaphilo4049]

It is sad! I feel for her 😭

[@baconoftheark]

@@Natalie_11188 Natalie, I wasn't blaming her for the situation. I was asking what lead to this situation? I'm a natural problem solver, and her answers or lack of answers upsets me greatly. I've never been in the situation where I had an accident, but I was always practice safety in my relationships. If she is aware he wasn't going to provide, she could have sought help in other avenues. I feel bad for her due to toxic family, but it's there is always a reason. If I were in her situation, I'd look for social benefits for disability, in-home caretaker via the state/program or subsided caretaker. If they got a state appointed caretaker; her mum could work 30-35 hours/week to cover the basic expenses.

[@amberinthemist7912]

​@@baconofthearksounds like her father is a controlling user who groomed her to accept crap from men. That happens in all kinds of neighborhoods.

[@Papito617]

Proud to say after watching your videos for the past few months. I’ve knocked out vast majority of my debt. Was over 35k in credit card debt and all that’s paid for. Was not easy and definitely worked my ass off! Only two things left are two personal loans and I’m going to be done with it by December 🎉

[@CalebHammer]

Wooo!

[@amanda_the_alpha]

That’s a BIG deal! Congrats 🎉

[@victorbaird8220]

Here is a cookie for finishing the debt 🍪

[@crytkryssus9851]

Awesome work!

[@W333L]

I come to these videos to see comments like these. For every person on the show refusing to work on their situation there are 10 like you with heartwarming stories

[@eliseg0001]

Blind people are fully capable of navigating the world and thriving with the right tools and occupational therapy! I hope her dad can get needed resources so her mom isn’t having to care for him 24/7

[@joesmith3590]

She doesn’t have too they are lazy and use it as a excuse. If the dude was totally blind he would have more aid he is barely blind so get small aid.

[@kattttt9585]

yeah a blind person doesn’t need someone 24/7… like you’re telling me this guy can’t be alone for 8 hours a day? Even a dog is fully capable of being alone that long. Just need some food nearby & he can follow the walls to the bathroom.

[@Sadreath]

@@kattttt9585 Please don't leave your dog alone 8+ hours a day. It is really not good for them

[@themancalledx1342]

Moms not caring for him. She’s getting a check for hanging out with her husband

[@eliseg0001]

@@themancalledx1342 I don’t think she is getting a check, I think he’s getting some sort of disability

[@rebeccashields9626]

People do not spend money on books! Most libraries have sharing programs and can get essentially any book delivered to your library from the app on your phone and it will message you when it is ready for pickup. Same with movies and dvds, and sometimes even board games and puzzles. Do not spend money on these things if you have debt.

[@lot2196]

Yes. States have online digital libraries with thousands of readable and audio books for free. All you need is a library card.

[@gidgetgetscrafty]

Also Libby for ebooks and audiobooks with your library card!

[@TheMrplayitsafe]

Sucks for authors then..

[@morganbarber5009]

This channel is momentum for me. My credit card utilization is high (but decreasing) but my payment history is 100%

[@user-zp3by8ci1o]

I don’t see her situation getting better. I don’t think she realizes how bad it truly is. Rooting for her though!

[@NewscasterNews4]

She had an excuse planned out for EVERYTHING….and the only valid one was her family. Even still it’s doubtful she cuts them off like she should

[@BlakeLeasure20]

I love it when the editor zooms in on Caleb's face. Makes me chuckle every time

[@peacejoylove8542]

I'm with Caleb about the relationship with her family. It sounds toxic and the mother and father are taking advantage of her. I know it's hard, especially with family, but sometimes people have to be left to figure themselves out. All adults are capable, some just don't want to be, especially when they're enabled.

[@somethingawesome1462]

Especially if they want her to pay for assistance but can’t watch her daughter while she works, so that she can pay them

[@lindajohnson.]

Sad situation , her family sounds toxic.

[@peacejoylove8542]

​@@somethingawesome1462this. The audacity of them to nit even want to help with their own grandchild. That hurt my heart to hear her dad felt that way towards his daughter's child.

[@justauryon]

@@somethingawesome1462agreed. I feel Caleb wouldn’t disagree much if her mom was watching the child / being daycare & she gave her money for it. It’s appalling how her family is just taking advantage of her. ☹️

[@SayuriTsukine]

And the worst part about all of this is... she kind of acknowledges that her situation is messed beyond belief. Mom is capable of working, but lets her disabled husband call the shots on how she spends her time. Daughter is trying to provide the tools for Mom to become independent, but she won't use them. TX is a state that allows for spouses/parents to be paid to take care of disabled family members. Mom could be earning money that way if she wants to continue to be a SAH wife/mom. The 22yo and 16yo could be managing the house and Dad while Mom babysits her daughter's child. They live in the same building for crying out loud! Like Caleb told her: she could be making better money in a different field or simply a different company if she just got the childcare figured out, but it looks like she's surrounded by people who don't want to step up to the plate, but are happy to take what very little she has coming in.

[@doublemeatjesus]

Worked with a hispanic girl at work that was in this almost exact situation, just being bent over backwards financially by her own family, she paid everything so her parents could sit on their ass so she NEVER gets ahead.

[@amendaalmonte2236]

Strong boundaries are needed. They HURT. But it’s your life and you are the only one living it everyday!!

[@xkristixx]

Caleb just schooling people in financial boundaries. As a therapist, makes me very happy to see! 👏

[@emmaphilo4049]

@@mmp495 so true

[@ssance]

I genuinely GENUINELY want to see her come back! I’m really rooting for her. Her situation reminds me of my mothers old situation a few years ago, I hope she cuts out the fast food and puts her foot down with her parents!!! Please have her back

[@LavenderA22]

As a first-generation daughter of immigrants I could relate a lot about my disabled parents and culture- I love my background and my parents even took care of their parents back in Latin America but it was affordable. You could get a caregiver for almost $200 USD a month. It’s crazy because my family thinks at the same culture and implementation of the kids taking care of their parents could be done in the US but the USA is so much different of a system than other countries. It’s not that I don’t care about my family it’s just almost impossible to create generational wealth if you don’t have retirement and you rely only on your kids. I don’t mean to assume this person’s background, but it just annoys me- Hispanic people being one of the largest minorities in the US, but we can’t create generational wealth because of cultural expectations of parents, friends, and family… anyways here to break them!

[@flor9345]

YES. THIS. This needs to be spoken about! We raise our kids to be independent but eventually to rely on their own kids? The cycle needs to break. Idk how it is in South America but atleast in America this can't continue to be acceptable.

[@elenad8712]

Yes I totally agree! I told my parents when I got married that my priority is my family first everyone else comes next to last. Not the easiest conversation but so important to have. Best of luck to you!

[@maceroee]

​@@elenad8712agreed. When you get married your family becomes first.

[@Piworld13]

Yes, I wanted the host to recognize the cultural significance of taking care of family in this case. I hope she finds a suitable balance of helping the family while focusing on getting a better situation for herself and her daughter. Single parent life is tricky, she is so strong. Such a shame she's gotten no child support while having to cover daycare costs. Good luck with Kinder kiddo!

[@thycuteho]

Same in Filipino culture. I actually know people who have high salaries but doesnt have enough savings bc 50-80% of their income goes to their parents & siblings. Not having your family depending on you financially is actually considered a HUGE privilege here bc thats not always the case

[@TheSUPERHAPPY1]

I was at walmart the other day. I said hello to the greeter on the way in. Went to the return counter, and the greeter walked around the corner with his cane. Sat down on the bench, let out a big exhale and rubbed his knee with a painful expression on his face. He is literally in major pain on the walmart floor. His biggest relief is that bench for a few moments a day. I wished I could retire him. He should be chilling at home in a comfy lazyboy - not standing with his cane and painful knee. He is a real life warning to me

[@alephnaught8343]

God bless him, so sad.

[@victorbaird8220]

😂

[@YanaMontana1]

"I'm not saying put her in a dumpster and let the racoons watch her while you're working" - this SENT me

[@JKRBW]

I know the big suggestion as far as major life choices go is to be careful who you marry, but man, be a million times more careful who you make babies with.

[@jerikaljgdk]

I'm getting so tired of people not taking their ex to court for child support. It is for the benefit of your child. Even if right now he does not have the money, he might someday! Show that you tried to fight for it, put some effort in. Right now he's just out there like "oh well I'm good, why should I pay, no one ever asked."

[@hornetguy9063]

State takes a cut of child support and a man can be thrown in jail for delinquency. It’s not like it’s totally fair. It’s better for her to go to her baby daddy and offer some sort of mediation where he pays her directly, IMO. I agree that he should be involved because he did knock her up, but she should be looking to make the guy an active participant in his daughter’s life, not just a paycheck. If she doesn’t want him to be An active participant, well, maybe she should’ve thought of that beforehand.

[@mmmd3429]

​@@hornetguy9063You make some solid points. The child support and state shaving off their cut is sketch.

[@britt5650]

The state takes a cut because of the welfare the state spends to support the kid. The father should pay regardless of if be wants to be in the kids life or not. Yall keep making excuses for deadbeats and losers thats why they will never take accountability.

[@Alex-zi1nb]

The state doesn’t just take money, and good - send his dead beat ass to jail. There’s zero % chance a dead beat like him is going to agree to pay her directly and it’s complete unenforceable you ijit

[@papabear2515]

Every state should operate like Minnesota. The state pays every child’s monthly support in full and then the dad (or mom, if she’s the parent paying child support) PAY THE STATE! So … is s/he doesn’t pay the state, the state can garnish wages, etc. And, the child NEVER goes without the child support they were legally granted in the decree.

[@margggggggie]

Caleb is VERY optimistic about how disabled people are treated in this country. Yes, a lot of disabled people actually do get nothing. Or it takes years or decades to qualify for ANYTHING

[@Natalie_11188]

Yes. Or they get 25% of what they actually need. It’s very expensive to be disabled.

[@theoneonly5368]

I know plenty of people who shouldn’t have qualified for disability living it up on great free money.

[@Cloudyconfusion]

Can confirm. I’m physically disabled due to an injury and in the last year I tried applying for disability. It is VERY DIFFICULT to get approved and I actually just gave up, I met someone who said she had to hire and pay a lawyer to get it figured out. I went to my local county benefits office and they weren’t helpful like they can point me to the forms but I already know the forms I need help filling them out. I didn’t complete the forms in time as well (didn’t know there was a time limit to fill it out- I thought that didn’t start until you applied) anyways. I got a letter last year that I didn’t complete the form in time therefore it was automatically DENIED. I literally can’t just re apply is a whole longer process now that I can’t comprehend. I live at home with my parents or in my car when they’re mad at me for not having a job and live off food stamps. I would rather have disability to pay to live on my own and look for jobs online but my home situation isn’t stable nor am I with my disability and inability to walk some days. Just insane

[@Heller_215]

@@CloudyconfusionI am in your exact situation got disabled at age 18 due to medical malpractice now live with my narcissistic mother and am stuck due to chronic diseases that take a toll on your mental health I tried applying for disability and got denied I even had a lawyer, life truly sucks being disabled if you don't have a good support system

[@lilybliblablubb5023]

But a blind person is no baby and can be left alone for the day, I mean you know your way around the house and can feed yourself, find the toilet, etc and the mom could work. Relying on your kids who are broke too is no way out and I feel that they're taking advantage of her. If he has no other issues than blindness, he doesn't need a caregiver 24/7, look at other blind people they go around town with only a stick

[@user-qi8kb1xl2f]

Paying for her family combined with her lack of ambition will keep her broke forever. I hope she gets some motivation to set her daughter as a priority over her parents and her Ex. File for the child support, and cut off funding for your parents. Your parents can get a job, your daughter can’t. I hope she can pull out of this, but that requires a big shift in her thinking that I didn’t see in this episode.

[@hornetguy9063]

Her parents are likely emotionally manipulating her into taking care of them.

[@Ramonryan]

She’s not very smart

[@alizackrone2995]

“Im in debt but im not struggling” aka im using debt to maintain a lifestyle so i dont feel like my salary is low for the area

[@its_jess4321]

Why is grandma not babysitting for how much this girl gives her family?!

[@aileenonvenus]

especially bc elementary age kids are the easiest to babysit, they’re in school for a good part of the day, they’re old enough to entertain themselves, and no diaper changing, no spoon feeding

[@benwagner742]

She is so calm amidst all these pressures and is still a pillar for her family when she can barely withstand it. Props to her she can do it!

[@joshhines7338]

She put herself in these situations, she’s clearly lazy, look at the size of her. She doesn’t care about her situation obviously, she should be working as many hours as possible to get out of this, but again she’s lazy. She said she stays in insurance because it’s easy. She needs to get in shape as well

[@skidcaesar]

Cracks me up when Caleb gets so upset that he gets burpy and dyspeptic. That's passion right there.

[@sourdoughsavant22]

I gave you a like but I also want to dislike because you have put unsettling imagery in my head

[@CH-vm6cq]

It's so gross

[@CountessRose]

As someone who's paycheck is nowhere near enough to cover my reading habit, the library is your friend.

[@svaclapp]

Caleb's "Im raising my voice out of love" has me cryinngg lmao this guy is fantastic

[@zyzzuschrist3410]

Imagine taking out student loans to make $18/hr

[@sl8774]

Yeah I made that by slaving at (B)Lowe’s Home (De)improvement

[@Metonymy1979]

Imagine? That's the reality

[@Distantdistress]

​@@Metonymy1979wrong degrees lol but true

[@AdaireKrickets]

​@Distantdistress even with the "right" degrees. Depends on the area. Unless if you know people in my rural town, you NEED a bachelor's to make at least 16 an hr, full time. Note, I wrote full time. Because yes, fast food is paying 16/hr, but it's part time. Even my jobs as a caregiver for disabled adults and cleaning biohazards is minimum wage. Everyone who has money is doing everything they can to squeeze money from the lower classes because they are easy targets. Hence the insane Interest placed on these student loans to start with. (And why even trades are now requiring Apprentices to go to trade school first or have experience. ) If I lend an 18 year old with no job experience, 50k, I'm the asshole for Expecting that back plus interest. But when banks/the government does it, that's the 18 year olds fault. It's time to just admit that the whole system is Disgustingly predatory and we do not educate children in poverty enough to avoid it, and that's supposed to be a feature.

[@potato1084]

@@DistantdistressNo even if you have a “non conventional” degree you can apply to nearly any job if you’re good enough with resume/cv writing/LinkedIn. It’s really down to your attitude + how often you switch jobs etc.

[@Geertemaa]

Moral of every story: stop spending money on fast food and coffee, take out. Get debt free in no time.

[@turtleanton6539]

Yes 😊

[@JakoWako]

Also, don’t let your father dictate your life while you support him, be the only person in your family pay for your grandmother’s funeral and don’t get knocked up by a bum.

[@amygo7374]

This woman reminds me so heavily of my mom, my worked the same jobs for over 20 years - at peak income was making $20,000 a year. My mom also worked 11 PM - 7 AM and slept while I was at school to save on childcare. She passed when I was 18 and looking back she did everything to keep the family together at the cost of her own health. My mom couldn’t financially support anyone else apart from the two of us, but she had family over for movies and meals regularly. Babe you have a daughter who needs you to show up at your best, do it for her no matter the struggle.

[@kirby4168]

That’s crazy when she said she’s been doing insurance for awhile and only make $18 an hour. But yet that’s the higher end of pay. There’s 16 year old kids making the same or more money. I always tell people like this to just go get a city job. The pay is better (depending on the city) plus you can get really nice benefits.

[@suzykennedy3559]

I just wanna say- you can cut parents off! It’s hard but you can. I enabled my mom into my 20s to help keep my disabled brothers housed to the tune of 4-8k a year. Then when I cut them off they found community resources and both got supervised work through an outreach program and although they are in a ton of bad debt, they are making due. We had some rough times but she eventually saw how her actions and expectations hurt me and we have a decent relationship. I don’t dwell, but my life would have gone so differently if I had that money. Do it now- it’s so much harder the longer you wait

[@turtleanton6539]

It is 😊

[@dawnp5696]

People don't know what their capable of until they are given the opportunity to be capable.

[@by9199]

This guy loaning money and a car in his name is desperately trapped in the friend zone 😂

[@msj56]

Buddy, I guarantee he's not just a friend.

[@tear728]

Friend zone to someone who is so obese they have facial acanthosis nigricans? Yikes bro

[@I.amhades]

That's not a friend. That's a daddy.

[@peachygal8856]

@@I.amhadesyou might be right about that. But the real question is, does “daddy” have some friends? 👀

[@prettyandpaid5385]

I can’t believe she’s 26. Poor girl. It’s time to put herself first.

[@misstambourinegirl91]

I’m really rooting for her. She has a sweet spirit about her.

[@andrew8168]

Watching Caleb makes me want McDonalds Breakfast washed down with Taquitos and Redbull

[@emiliemcbride2534]

Why possibly?!?!

[@andrew8168]

​@@emiliemcbride2534because thats what every guest does!

[@fredfinger7092]

🤮

[@JakoWako]

Make sure to put it all on your credit card!

[@nicknacks7824]

If she enjoys working in the insurance field, she could be making much more. She should look into the agency side, work for a larger agent/broker.

[@melanierhine593]

If she got into insurance underwriting she could make about double what she does now.

[@Angiexxc]

Exactly! Those high comp like FFL are where it’s at

[@nicknacks7824]

​@melanierhine593 Absolutely! There are certainly various avenues she can take to increase her income within the field.

[@joesmith3590]

Nah man she enjoys her easy job not the field lol. She is paid for the skill and difficulty of the job. If she move up it will be harder and she hate it

[@Aardvark8]

A lot of corporations will hire people with industry experience in certain fields I.e. insurance, tax, real estate, etc to work for them just filling out paperwork. You may not make a ton of money but you’ll make more then $18/hr and get a chance to move on to other positions.

[@jenniferbowerman2573]

I think it is called learned helplessness. And I agree about her health. She is either prediabetic, or either full blown diabetic, and her healthcare problems are just beginning.

[@ec1481]

Yes I noticed she has Acanthosis nigricans 😔 And dad is blind, likely diabetic as well.

[@Adikova97]

​@@ec1481damn, and here I thought it was just a bad contour

[@cryinginstyle]

@@Adikova97I thought she just has really great bone structure, which she does, but she needs to lose weight and become healthier for her sake and her baby’s!!

[@hornetguy9063]

@@cryinginstyleI actually think her health is way more pressing than her finances. She has a lifetime to earn money, but her current physical state suggests that her lifetime will not be nearly as long as it should be. She needs to start losing weight immediately, or else she’ll be facing permanent issues.

[@adamseidel9780]

The terrible health is coming from the same culture of passively accepting poverty, abuse, and failure that defines her family, her approach to life, and her attitude in this video. It’s a personal and cultural acceptance of failure. Her finances wont change until she decides she’s breaking out and not thinking this way or being this way any more.

[@hoobidibahentertainment6496]

I’m willing to bet that in 20 years her kids gonna be taking care of her

[@melissagonzalez1925]

Oof 20 years? You’re too nice. I’d say 7 😂

[@MsSarahJam]

Thanks Caleb. These audits are helping so many people, myself included.

[@CalebHammer]

Thank you so much, Sarah!!

[@LaylaLover90]

Nice donation! Glad to see I am not the only one spreading the love with Super Chats! This channel is saving my financial life!

[@drakehooks]

you helped yourself...

[@laminage]

@@CalebHammer You got some mad skills. You are what Generation X,Y, and Z need for this generation for Financial Auditing. I learned so much from you and I am in my 50's.

[@mari1234567899]

We need the "friend" in the show.

[@jane1647]

Her mom might be able to get paid AS her dad’s caretaker. In many states, funding is available for this. They need to get some help navigating these resources and programs.

[@mrscassandrasolano]

Yea if he has Medicaid and Medicare he can get IHSS and she or her mom can be paid for caregiving

[@mrscassandrasolano]

He may also qualify for some meal delivery to reduce grocery costs

[@ingridgallagher1029]

They may not qualify for a lot of benefits depending on their legal status.

[@JunkSock]

“Navigating resources” sounds like enabling this dude to abuse his family and never work

[@elizabethallen4353]

@@ingridgallagher1029 yes - her response was so vague when Caleb asked about government support/benefits, that was my first thought

[@wschenk87]

There needs to be a short about dumpster raccoons watching her kid

[@ladyviking]

I guarantee the Dad has Diabetes. AND - I’ll say this. I’m a personal trainer, and I specialize in eating disorders of all kinds. This woman either HAS diabetes or pre-diabetes. It’s the quality of her skin, the dark spots. Diabetes will put anyone in poverty and keep them there.

[@JoseFlores-xh5cj]

If she has diabetes she shouldn't be eating Popeyes and McDonalds everyday. Using her condition as an excuse is inaccurate

[@moniquecastelo]

she's probably been prediabetic for a few years now, and her body's starting to show the signs, I hope she's able to turn it around before she's diabetic for life 😢

[@Phonexwing]

The acanthosis nigricans is coming in nicely

[@thebosshouse]

​@@JoseFlores-xh5cjShe shouldn't be eating out regardless, but diabetes medication can be prohibitively expensive and the habits that often lead to type 2 diabetes are extremely hard to break. I say this as someone who is prediabetic and lived with type 1 and type 2 diabetics for years. Pro tip: you don't even have to be obese to be prediabetic. It's not solely based on size/weight. I weigh 145 pounds and apparently my pancreas thinks I should be 120.

[@hornetguy9063]

Yeah you’re likely right. She looks WAY older than 26. She’s also obese, and potentially morbidly obese. Diabetes treatment isn’t cheap, and the effects that being diabetic would have on income potential is likely massive. Even more than her finances, she needs to make a change in her lifestyle habits. She’s putting a slow acting poison in her body with all of that McDonald’s.

[@Takar100]

I love how 7-11 is just the taquito store now. I do think the family relationship is crazy, but I understand. I am terribly scared that my family will end up supporting some of our elders. We're in a better position, but people really should get their stuff together up front. I don't want my kids to have to worry about me, because (hopefully) they're going to be worried about their kids. And man, what a friend. I ain't giving my friends any money, unless they about to die.

[@sourdoughsavant22]

Literally, if a friend even looks at me like they're about to ask, WE DONE. Don't get me wrong, I'll buy them a birthday lunch, the occasional movie ticket, etc and won't be a stickler about splitting payments to the very cent, but I'm not trying to be your life support, no way.

[@Takar100]

@@sourdoughsavant22 for sure. Be nice, but don't be a fool.

[@sauceguy19]

After finding your channel in July, we stopped eating out and budgeted for actual needs. Already saving thousands. Thank you!

[@littlefrog9553]

She seemed to be disassociating at the end. Hope she was able to process it all, and have the courage and fire to implement this plan, or a version of it that works for her. I'd be nervous about owing a friend that much money.

[@sharkbaituahaful]

The audacity to say "I like to own my books" and "I bought the Kindle to stop buying books" when she's $20,000 in bad debt! LIBRARY LIBRARY LIBRARY 🙄

[@mmmd3429]

Libby app. Libgen if she wants to "download" them.

[@mtaylor9235]

And libraries offer e-books

[@100Stratusfiedx]

There are also many websites that have ebooks for free. I understand reading is a hobby but yeah don’t actually pay for the books until you get out of debt

[@mmmd3429]

@@mtaylor9235 LIBBY APP

[@papabear2515]

Yes! Libraries also offer free videos through Canopy just by having a library card. Libraries are treasures!

[@luvzdogz]

Ugh I feel a good deal of sympathy on this one. Yes, some of her spending choices are unwise but clearly the family obligations are putting her a TERRIBLE place to begin with. She's doing it out of a good place but...can't be doing that!!

[@OceanSlim]

I don't. You owe someone thousands while actively spending hundreds on fast food claiming "I don't have the money"

[@adamseidel9780]

I have a little sympathy for her due to the family situation, but her bigger problems are due to her own choices and I have nothing but disdain for her parents and family.

[@NewscasterNews4]

She’s certainly in a bad spot with her family but she’s also been extremely selfish herself by admitting she takes “easy” jobs instead of looking for something more high paying while she has a daughter + all this debt. Everything she’s dealing with now her child will have to in 20+ years if she keeps it up

[@emmaphilo4049]

She needs to be careful because she has a daughter. She needs to put her daughter before her parents

[@joshhines7338]

People need to stop helping family when they can’t fix their own ways, family ain’t shit! Look after yourself first. They ,are their own choices

[@adamseidel9780]

Interesting to me how many people on this show say their mindset is - or was - that they just accept they’re going to be broke and in poverty and therefore they won’t do anything to improve their situation or stop making dumb choices. Shows how important personal will and goals are and how success is in no small part a matter of self belief.

[@paulifaundez]

I got a kindle and she reaaally doesn't need to pay for every single ebook she wants to read. There are thousands of websites with free books.

[@TylorSenpaiHeroEstill]

My debt is cleaned up and gone. Never again

[@nicknacks7824]

Congrats!

[@TylorSenpaiHeroEstill]

Started off with my ex causing me to get slammed 10k in debt and now its gone along with her

[@ggrij2004]

@@TylorSenpaiHeroEstillgood for you playa 🙌

[@mshinkle1]

After watching your videos for a few months, I just paid off my 29k consolidation loan this week. Now to build my emergency fund

[@philly799]

Insurance agent here. My job is NOT easy. Very confusing to hear her say that. There's also a shortage of good insurance agents. She should be able to make a lot more money. Something doesn't add up..

[@silverplug]

Depends if she's in health, p&c or life Insurance

[@nicknacks7824]

Agreed!

[@joesmith3590]

She has a specialty job that does a specific part that is why she is low paid. At a large place someone is paid low to do the easiest grunt work.

[@terrigast910]

Agreed! My guess is she’s in customer service and gets a small commission for cross-selling or something. No way she’s in full on sakes making so little

[@hornetguy9063]

My guess is you’re making at least $60k. To be an insurance agent for 3+ years and not making middle class wages seems bizarre to me; that’s a legitimate job

[@dameneko]

I am first generation with an immigrant single mom and holy shit the guilt and obligation are so real. I too enabled bad behavior. Cutting it out was hard but 100% worth it. It forced a perfectly able and capable person out of the mindset that other people owed her a certain lifestyle because her ex-husband was a POS.

[@GroveCity65]

Nothing better on a Friday morning than a new audit!

[@jules-zc1me]

I work at the library and at the bottom of every receipt, it tells you how much money you saved by borrowing instead of buying the same materials. Some people have saved 10k in a year alone. I've personally saved $18,000 in ALL my years at the library. Totally recommend! Not to mention there is a lot more to libraries than just books.

[@mithicash1444]

Caleb, you advocate so much for mental health and I wish you advocated just as much for physical health. I know it is a sensitive subject, but I have never been been in worse financial situation than when I was extremely overweight. People don't realize how much quality of life a person loses from it. I felt A LOT more motivated to work extra or an extra job when I lost some weight and improved my health. I hope the lovely lady follows your plan and gets better, but I just wish you would touch up on that as well because nobody wants to talk about it.

[@Natalie_11188]

Caleb has talked about that before- but usually only if the person brings it up first.

[@thebosshouse]

Caleb has gone so far as to check a guest's vitals before. He won't remove gym memberships from budgets and he talks about how unhealthy fast food is. Anything further than that gets into possible medical issues and that's a lot more personal than finances.

[@latulip100]

She’s a tough woman and yeah it was painful to watch in that regard. The dark spot can be a sign of pre diabetes, I am so worried for her. She seems so lovely.

[@You_Already_Know]

Caleb needs to prioritize physical health as much as debt consolidation. Your body is a physical example of your internal state and also is a good estimate of your potential effort output as well as discipline

[@deirdrekiely6187]

I disagree. this is a FINANCIAL audit. Overweight people are shamed enough in society and don't need to be lectured by a non-medical person about their weight. Overweight people already KNOW they are overweight!!! You're not enlightening anyone. Change only comes from *within* not from nagging.

[@darcys2270]

That is low for an insurance agent. Her boss is paying her more like a customer service representative. Insurance is a hard market right now. Time to change to a different job.

[@hornetguy9063]

Agreed. And really, in Austin, I’d expect her to be making $60k or something in that job. Makes me wonder if she’s working for some crap financial company that no one’s ever heard of

[@aubreytheweirdone]

“Baby daddy on the loose” got me 😂

[@younggrasshoppa14]

I really feel for this woman. I can't speak from personal experience but I know certain cultures have really toxic expectations re: their children being obligated to care for them. She needs to have the confidence and self worth to go after a better paying job. She is clearly under a lot of strain and i have to commend her for being calm about it, but at the same time I would like to see more fire from her.

[@approximateknowledge5577]

Caleb, you arent mean. You are honest. Big difference. Of course sooo many ppl prefer a comforting lie over an uncomfortable truth- thats part of why they are where they are (financially). You respect them enough to be honest and genuine and sincere, something too many other people are not willing to offer them right now in their lives. A reality check is beyond priceless if they have the courage to listen. (I used to be a personal trainer and had to have some difficult conversations about people's habits, physical health, mental health, and even aspects of their lives that have nothing to do with food and exercise. It's tough, but when we approach these difficult conversations with genuine compassion, these people will hear it -usually.)

[@MelissaEdwards86]

Caleb, seeing your excitement at the impact this channel has had warmed my heart ❤. This was a tough episode to listen to, but that portion put the biggest grin on my face. Thank you for providing this service!

[@TASLightnindog]

I started watching 3 months ago and I had an emergency fund starting and then this month I got hit with needing to replace the pipes in my home. Thanks to Caleb I started to budget and prepare and I don’t feel this bill NEARLY as much as I would have prior to this channel. Thank you Caleb!

[@jumpingjupiter]

It's so easy to judge her but if you're actually living her life she has a lot of hard decisions and responsibilities. Good luck hope she does well after the show!

[@MidlifeMoneyMoves]

Yes some of these changes Caleb is suggesting will take a lot of emotional work to make.

[@timborski1210]

Very few people on here have wanted to bust ass and work. They come off as.....well im trying sometimes..... Love the channel man! Its helped us ALOT

[@lizconnolly2603]

So glad she came to you to start the process of getting everything taken care of!

[@Lazarus19]

Hey Caleb, you’re probably not going to read this but I have to say it. Your Videos have helped me getting started on working for my financial Future. I’ve been in a couple of pretty bad debts and am a avid watcher of personal finance videos on youtube since 2020. I’ve watched a lot of videos from Graham, Dave Ramsey, Mark Tilbury etc but watching Financial Audit has been the pivot point where I have actively started working on improving my life. Much Love to you brother. Thank you so much!

[@vestibuohl4135]

That last speech starting around 45:00 got an instant like and tears to my eyes. Thank you so much to Caleb and his team, you're doing incredible work and we all love you.

[@evadangelo3137]

I agree with cutting off family who take advantage but from first hand knowledge I know that you can’t count on the government to help like we would like in caretaking situations. TX may be different but I’m in NY and my 80 year old mother had an accident that resulted in a TBI. I am an only child and was her caretaker. Medicare doesn’t cover any at home caretaking and they only cover 100 days in a skilled nursing facility. In order to qualify for Medicaid so she could get nursing care you have to deplete all your savings. I was lucky enough to be able to hire a lawyer to get her qualified for Medicaid in a month but people who try to apply on their own wait over a year and have to go through hoops. Even now with her on Medicaid and needing 24 hour care I can’t bring her home because Medicaid would only cover a few hours a week for a caregiver. And I can’t get paid to be her at home caregiver because I am her POA. I know this isn’t this woman’s situation but the thought that the government will step in and fill in the gaps is sadly not the case in this country.

[@krystalwilliamson192]

This episode helped me to keep going even when it is difficult. Keep the episodes coming!

[@YourRav]

LOL I love when Caleb does the voice for “its not good, but its not that bad”

[@Burnrn717]

I love your passion about getting people out of debt. It has to be frustrating at times to hear the excuses. I will say that finding a good day care is tough to do, thankfully my kids are all grown. Keep up the good work!

[@blakemorton3627]

I commented on one of your videos. I thought I needed to be on this show but I have been killing it lately. Taking care of my health, paid off all debts, and saving what I can. Thanks pimp

[@evanrobertson170]

Caleb, thanks for making these videos. And big shoutout to the people being vulnerable about their financial situations. I've got a 'small' amount of credit card debt, but these videos motivate me to trim as much fat as possible (monthly subscriptions, spending) so I can work my way out of that. Also, I never write comments. This is my first comment in years. That's how much this series means to me. Just great videos that are getting rid of that taboo of talking about personal finances and struggles with debt and helping folks. Thanks Caleb.